The accompanying payoff matrix depicts the possible outcomes for two players involved in a game of rock, paper, scissors. if a player receives a payoff of 1, the player wins; if the player receives a payoff of −1, the player loses; if both players receive 0 (zero), the players tie. if timothy chooses paper and ernesto chooses paper, timothy’s payoff is and ernesto’s payoff is

Ernesto's payoff will be zero and Timothy's payoff will also be zero.

Explanation:

Ernesto and Timothy are involved in a game of rock, paper, scissors.

If a player wins his payoff is 1. If a player loses his payoff is -1.

If both players tie their payoff is 0.

Here, both Timothy and Ernesto chose paper. So, there will be a tie between them.

Thus, both of them will have zero as a payoff.

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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